AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT
First Claim
1. An unattended banking machine for performing a number of banking and other transactions by a user, the unattended banking machine comprising:
- a cash acceptor for accepting cash from a user and for totaling an amount of cash received;
a cash dispenser for dispensing cash to a user;
a user interface and display operable by the user to select transactions, enter commands, and to receive information from the unattended banking machine;
a card acceptor for receiving and verifying a qualified user'"'"'s card;
a receipt generator for generating receipts for the user including a total of the amount of cash received;
a document cashing apparatus including a document receiver in the unattended banking machine;
a reader for reading the cash amount for a document; and
a signature verifier for examining a signature of the user on a document and for confirming if the signature is valid prior to dispensing cash to the user from the cash dispenser.
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Accused Products
Abstract
A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user'"'"'s service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user'"'"'s account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.
107 Citations
28 Claims
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1. An unattended banking machine for performing a number of banking and other transactions by a user, the unattended banking machine comprising:
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a cash acceptor for accepting cash from a user and for totaling an amount of cash received; a cash dispenser for dispensing cash to a user; a user interface and display operable by the user to select transactions, enter commands, and to receive information from the unattended banking machine; a card acceptor for receiving and verifying a qualified user'"'"'s card; a receipt generator for generating receipts for the user including a total of the amount of cash received; a document cashing apparatus including a document receiver in the unattended banking machine; a reader for reading the cash amount for a document; and a signature verifier for examining a signature of the user on a document and for confirming if the signature is valid prior to dispensing cash to the user from the cash dispenser. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. An automated banking system for receiving payment from a user and for transfer of funds to a transferee in a network, the automated banking system comprising:
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an automated machine having a card reader for a card having an intelligence associated therewith and which identifies the user as being qualified to use the network; a payment acceptor for accepting payment by the user for a transfer; a verifier to verify the transferee in the network; a document receiver for accepting at least one document and for permitting the user to execute at least one transaction; and a communication system for transfer through the network to at least one of a verified transferee'"'"'s identification, a transferee'"'"'s account or any combination thereof. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16, 17, 26, 27)
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18. A method of providing an automated banking system having an unattended banking machine with capability of transfer of funds from a user to a transferee by a network, the method comprising:
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providing a card reader for a card having intelligence associated therewith and which identifies the user as being qualified to use the unattended banking machine and network; inputting at least one of (a) an identification of a bank through which the transfer is to be made, (b) an account number of the transferee or any combination thereof; entering an amount to be transferred to the transferee; permitting the user to execute at least one transaction by accepting at least one document in a document receiver; providing the unattended banking machine with a method of payment from at least one of, cash, credit card, smart card, account withdrawal or any combination thereof, for the transfer; communicating for transfer through the network to at least one of, a verified transferee'"'"'s identification, a transferee'"'"'s account or any combination thereof; and verifying the funds as being sufficient to cover a transferred amount and a transaction fee therefor. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 28)
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Specification